EXPERTS

MICHAEL TURNER, PH.D.
President & CEO

Michael Turner, Ph.D. is the founder, President and CEO of PERC. He is a prominent expert on credit access, credit reporting and scoring, information policy, and economic development. He has testified before Congress and numerous state legislatures, and presented studies to numerous government agencies including the FTC, the FCC, the FDIC, the Federal Reserve Board of Governors, the Council of Economic Advisor and the White House.

Dr. Turner has worked on projects in over 25 countries on six continents, and is a global thought leader on consumer and commercial credit information sharing. He has worked on projects for the OECD, the Inter-American Development Bank (BID), the International Finance Corporation (IFC),the Consultative Group to Assist the Poor (CGAP), and US AID among others. He also launched the Asia-Pacific Credit Coalition and has collaborated with the APEC Business Advisory Council (ABAC) to establish the Asia Pacific Financial Forum (APFF) to promote financial inclusion among the 21 member economies of the Asia Pacific Economic Cooperation.”

Dr. Turner served as Graduate Fellow at the Columbia Institute of Tele-Information at the Columbia Business School, Executive Director of the Information Services Executive Council, manger of government affairs for the North American Telecommunications Association and staff assistant in the U.S. Senate.

Dr. Turner received his Ph.D. from Columbia University in International Political Economy and his B.A. from Miami University in Economics. He was awarded a Yeck Fellowship from Harvard Business School, and was awarded the Ashoka Foundation Fellowship in 2009.

PATRICK WALKER, M.A.
Director of Research & CFO

Walker’s areas of focus include economic policy and quantitative methods. While at PERC, Walker has helped spearhead analysis examining how consumer credit scores (and credit availability and price) are effected with the inclusion of different types and amounts of payment information in their credit files.

While in the Ph.D. program at Duke University (ABD), he taught undergraduate econometrics and microeconomics. Walker received an M.A. in economics from Duke University and a B.A. in economics and mathematics from the University of North Florida.

JOSEPH W. DUNCAN, PH.D.

Senior Fellow

Dr. Duncan is currently an independent consultant with many clients across a broad swath of industries. Prior to leaving the private sector, Duncan served as Chief Economist for Dun & Bradstreet, where he oversaw a team of economists generating economic and strategic business analysis for D&B. Duncan has authored dozens of books and hundreds of articles, many of which focus on information economics. Duncan was involved in the crafting of the Privacy Act and helped architect the Standard Industrial Classification system (SIC) for tracking economic data across the entire U.S. economy. His most recent book, Statistics for the 21st Century, addresses issues pertaining to the collection and use of such data.

CHET WIERMANSKI

Senior Adjunct Fellow

Wiermanski’s areas of focus includes the application of information to produce consistent and fair automated underwriting platforms that facilitate financial inclusion. Prior to PERC Wiermanski was a Visiting Scholar with the Payment Center at the Federal Reserve Bank of Philadelphia exploring the use of Big Data to estimate economic conditions. Previously Wiermanski headed TransUnion LLC’s global credit scoring and analytic efforts.

MURILO PEREIRA

Adjunct Fellow

Mr. Pereira received a degree in Business Administration from Fundação Armando Alvarez Penteado (Brasil). He is the author of numberous articles for magazines and newspapers such as CRI, Cardnews, Isto E Dinheiro, DCI, Valor Economico, as well as others. He has over 16 years of experience within the financial market, including work with credit bureaus, scoring, policy, reviews, development of management tools, collections and industry best practices. Mr. Pereira has served as the Managing Director of Experian Brasil for ten years, and participated in setting up the business in Brazil in 2008.

HAYDÉ NAVARRO ALVAREZ TOSTADO

Adjunct Fellow

Ms. Navarro received her MBA from IPADE Business School. With an extensive career in the financial sector, she has worked at Grupo Financiero Bancomer ( now BBVA Bancomer), Buró de Credito Trans Union and Dun & Bradstreet (the largest Credit Bureau in Mexico) and Experian de Mexico. Today, Ms. Navarro works as an independent consultant working within the microfinance sector focusing on credit risk management, credit bureau management, operational risk management, credit bureau use and operation manuals development. She is also a consultant for the largest credit bureau in Mexico, Trans Union and Dun & Bradstreet.

GABRIEL DAVEL

Senior Adjunct Fellow

Gabriel is a qualified Chartered Accountant. He has degrees in Accounting, Economics and Econometrics. He also has a Masters’ Degree in Development Finance from the Institute of Social Studies in The Hague and an Advanced Diploma in Banking from the University of Johannesburg.

Gabriel has 20 years professional experience, specialising in financial regulation, development finance and consumer credit. He was part of the establishment team of a leading micro-enterprise lender in South Africa (the Small Enterprise Foundation). From there he moved to Deloitte & Touche’s Financial Institutions Team where he became a partner in 1998. In February 2000 Gabriel joined the Micro Finance Regulatory Council as CEO. In June 2006 Gabriel became the first CEO of South Africa’s National Credit Regulator. The NCR is a statutory body created in terms of the National Credit Act and is responsible for the regulation of consumer credit. The NCR’s statutory mandate covers both bank and non-bank credit providers, credit bureaus and debt counsellors.

Gabriel served as policy advisor to government in the played a leading role in the development of the National Credit Act, serving as Policy Advisor to government and leading the underlying research and policy development. Gabriel also served on the Policy Board for Financial Regulation and was a member of the SA Reserve Bank’s task teams which produced the Competition in Banking Report, a report on SME Finance, an assessment of Core and Narrow Banking and a report on Consolidated Supervision.

In January 2011 Gabriel left the NCR and is doing consulting and advisory projects in financial regulation and development finance. Over the last 9 months, Gabriel has been engaged in consulting and advisory assignments in for government and private sector clients in South Africa, Namibia, Kenya and Brazil. He also participated in technical conferences in Mexico, Japan, Malaysia, Kenya, Namibia and South Africa. Gabriel has long term advisory contracts with both the Alliance for Financial Inclusion, and CGAP.